If they purchase their own policy, I enter their information and cancel my policy for that unit.

Here are a few suggestions on how you can maximize the wealth of information available: Check out the blogs and podcasts, or take advantage of the search feature (magnifying glass).

This information was withheld in disclosures.

There isn't enough information. 

Always gather ALL the same information for every applicant.2.

Pretty much everything I have seen and read is:Find out the sellers motivation/problem and speak to solving that issue.Give an offer but explain how you got your numbers.Other than that, it seems pretty limited for negotiating information. 

Based on limited information that is provided, I recommend saving longer, since you are unable to house hack. 

Whereas with an STR, even with clear english detailing any issues up front, is often booked on a whim with an overload of information digested in a short period of time.

Should have been my first red flag.She first sent two others to do the initial design, never informed me that she would not be there.

@Rob Swanson,Thanks for the information.